CAPITAL ONE FINANCIAL CORPORATION

2016-10-06

Superstition Mtn, AZ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

Brooklyn, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

Los Angeles, CA

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

Aurora, CO

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

Harsens Is, MI

Making/receiving payments, sending money

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

Lawrenceville, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: In XX/XX/XXXX I had a capital one credit card. I fell behind in payments because I lost my job. When tax time came I called capital one and asked for a pay for delete because they had been reporting on my credit report ... I was agreed and I made the payment. I paid the complete payment and to this day the acct is reporting as closed and paid but its still reporting as a collection on my credit report as of XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

Brooklyn, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I went to court, they said they would schedule another meeting or cancel the debt. If one was even sent I did n't get the notice because I moved. They do not have enough evidence to state that I owe that money. The statements as proof that they provided did not go as back to validate the debt they are claiming.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

Stevenson, MD

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Complaint: THIS ACCOUNT WAS NOT OPENED BY ME SOMEONE HAS MY PERSONAL INFORMATION AND I HAD NO KNOWLEDGE I AM REQUESTING THAT THIS ACCOUNT BE CLOSED AND REMOVED DUE TO THAT FACT
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

GA

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Complaint: The debt is well beyond the Statue of limitations for collection. They have repeatedly taken of on credit report only to add it to others time and time again. The account was sold in XX/XX/XXXX and resold in XX/XX/XXXX. It should not appear on my credit report. They should not be calling family members about this old debt. They should not even be writing me about debt. They have been sued, they have been fined, yet they continue to commit the same unethical acts.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-06

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-06

Atlanta, GA

Credit card protection / Debt protection

Credit card:

Complaint: I have been defrauded by Capital One bank and possibly others. A credit Card was taken out, in my name. I have contacted Capital One bank numerous times with faxes and police reports stating their fraud against me. I have yet to have a resolution to my problem.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

Bakersfield, CA

Closing/Cancelling account

Credit card:

Complaint: Several years ago I had a credit card with Capitol One. For years I would pay my payments until one day I decided that I wanted to pay off my balance and close the account. About 5 years ago I called Capitol One and paid them in full. I then asked to close the account and thought that it was closed. 30 days after paying my balance in full I come to find out that my card was still open and there was a {$30.00} balance on my card. I asked them why there was a balance on my card and why they kept charging me and I was told that there was recurring payments on the card. I informed them that there should be no recurring charges since my card was closed. I even offered to pay the additional charge to bring my balance down to {$0.00} just so I can close my card and prevent any more charges from being placed. They told me that they could n't close the card because of the recurring charges .... Since I had no luck with a normal Capitol One representative, I then spoke to a supervisor and wanted to know why they were keeping the card open. Essentially I was told the same thing by the supervisor that the representative told me. I argued that there should be no recurring charges since the card was closed and I argued that regardless of anything going on with any creditors I should be allowed to close down my own card. The supervisor refused.I again disputed the charge and demanded that my card be shut down and that was the last I spoke with anyone at Capitol One. Ever since that day I have refused to use credit because of the terrible experience I had with Capitol One. Unfortunately, I no longer have that luxury. 5 years later I check my credit report so I can buy a home and I find out that there is a Capitol One charge off with an {$890.00} balance! Furthermore, it has been sold to a collection agency and so now it 's reporting on my credit report twice! I 'm no expert in laws and practices but I 'm sure there is a law somewhere that says a credit card company ca n't refuse to shut down a credit card and and allow recurring charges to pile up simply because they feel like it. How can a balance on a card that was paid off and supposed to be closed get to {$890.00} dollars! That is both malicious and fraudulent! Here I am now 5 years later and I find out I ca n't qualify for a home unless I pay this account off. On top of that, even if I do pay it off my credit score will still be damaged because that wo n't remove the erroneous charge off or collection from my credit report therefore I am getting double screwed here! Please accept my apologies on the language. I need your help as I know I wo n't get anywhere with Capitol One since I did n't 5 years ago. I am not a bad person and I pay my bills on time. I do n't have any collections and I do n't have any outstanding debts owed. I am simply trying to buy a home and I 'm being told no because Capitol One refused to close an account off and allow charges and I 'm assuming fees to rack up on a card I vigorously attempted to close down. If I have to, I will take this matter to an attorney to file a lawsuit. I will not be held hostage by a creditor who wants to swindle people out of their hard earned money.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

Scottsdale, AZ

Other fee

Credit card:

Complaint: Recently, I applied and received the Capital One Platinum credit card with no annual fee. However, on my 1st statement, Capital One charged me a {$19.00} membership fee. The Platinum card agreement details and even Capital One 's own web site clearly state this card has " No Annual Fee. ''
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-06

TX

Convenience checks

Credit card:

Complaint: Capital One sent us checks to be used at 0 % interest for twelve months. NEVER did they say a 3 % fee would be added on to the amount for the written check. I used a check in the amount of $ XXXX and they charged me 3 % of that check upfront. It never indicated a fee and yet Capital One said it was in the fine print. Capital One is a thief and we shall see what you are going to do about it.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-06

Detroit, MI

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-05

Catalpa, VA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-05

La Conner, WA

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-05

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-05

Bakersfield, CA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-05

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-05

Fitchburg, WI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-05

Santa Monica, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-05

Cheverly, MD

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-05

Waterloo, IA

Delinquent account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-05

Cold Spring, MA

Credit determination

Credit card:

Complaint: I applied for a Quick Silver credit card with Capital One which is for people with Fair Credit as reported on the web site. I was declined based on information they stated is from XXXX credit bureau 's, ( letter Attached ). I have contacted both bureau 's that are listed in the attached file and both are saying Capital One 's information is not correct based on the reasons they list. After contacting Capital One 3 times asking them to please review my application again and explaining the reason they continue to decline me for the same reason as stated in the attached file and continue to state that that information they have from the XXXX credit bureau 's. I presently have NO past due accounts and have XXXX revolving credit accounts to include a ( Capital One 's account since XXXX ) which was given XXXX credit line increases since opened, the last XXXX was in XXXX XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response